Call reports 2007
RIVERVIEW BANK — 2007
What RIVERVIEW BANK reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 109,813,000 | 113,756,000 | 119,199,000 | 122,607,000 |
| Total loans | 77,462,000 | 82,480,000 | 81,722,000 | 83,904,000 |
| Allowance for loan losses | 901,000 | 921,000 | 943,000 | 970,000 |
| Securities available for sale | 21,821,000 | 20,285,000 | 20,609,000 | 20,290,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 87,862,000 | 88,761,000 | 98,531,000 | 94,651,000 |
| Interest-bearing deposits | 79,419,000 | 80,165,000 | 90,149,000 | 86,925,000 |
| Noninterest-bearing deposits | 8,443,000 | 8,596,000 | 8,382,000 | 7,726,000 |
| Equity capital | 12,213,000 | 12,260,000 | 12,382,000 | 12,503,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 1,541,000 | 3,110,000 | 4,764,000 | 6,462,000 |
| Interest expense | 774,000 | 1,534,000 | 2,379,000 | 3,257,000 |
| Net interest income | 767,000 | 1,576,000 | 2,385,000 | 3,205,000 |
| Noninterest income | 161,000 | 322,000 | 500,000 | 694,000 |
| Noninterest expense | 763,000 | 1,548,000 | 2,349,000 | 3,164,000 |
| Provision for loan losses | 30,000 | 60,000 | 90,000 | 120,000 |
| Pretax income | 135,000 | 290,000 | 446,000 | 615,000 |
| Income tax | 16,000 | 39,000 | 56,000 | 80,000 |
| Net income | 119,000 | 251,000 | 390,000 | 535,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,338,000 | 12,395,000 | 12,459,000 | 12,529,000 |
| Total capital | 13,210,000 | 13,316,000 | 13,402,000 | 13,499,000 |
| Risk-weighted assets | 69,728,000 | 74,638,000 | 77,795,000 | 78,038,000 |